Underwriting Specialist

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Payabli

WebsiteLinkedInAlle Stellen

11 - 50 Mitarbeiter

Gegründet 2020

💳 Fintech

☁️ SaaS

🤝 B2B

💰 €35.999.907 Series B - Payabli im 2025-06

Fintech • SaaS • B2B

Payabli ist ein Unternehmen für Zahlungsinfrastruktur der nächsten Generation, das Softwareplattformen ermöglicht, Zahlungen zu integrieren, zu verwalten und zu monetarisieren. Es bietet ein vollständiges Angebot an Funktionen — Pay In (Zahlungsakzeptanz und Händler-Onboarding), Pay Out (Verbindlichkeiten und Auszahlungen an Anbieter/Partner) und Pay Ops (Betrieb, Risiko, Abrechnung und Berichterstattung) — bereitgestellt über APIs, einbettbare Komponenten und erstklassige Beratungsdienste. Payabli richtet sich an SaaS-Unternehmen, Finanzinstitute, technologiegestützte Dienstleistungen und Großhändler und ist ein eingetragener Zahlungsabwickler/ISO, der konforme, skalierbare Zahlungslösungen und entwicklerfreundliche Integrationswerkzeuge bietet.

Beschreibung

• Conduct thorough analysis of merchant applications, including financial statements, processing history, and KYC documentation. • Verify business legitimacy through entity formation documents, EIN verification, and ownership structure validation. • Evaluate creditworthiness, processing behavior, and potential exposure risk for both credit card and ACH transactions. • Flag and escalate high-risk or unusual business models to the Director of CRU for deeper review. • Maintain comprehensive documentation of underwriting decisions, ensuring compliance with internal policies and regulatory standards. • Interact with merchants to gather missing information, clarify discrepancies, or provide feedback on required improvements. • Respond promptly and professionally to application-related inquiries and proactively guide applicants through the process. • Educate merchants on underwriting expectations and provide tailored advice on best practices for application success. • Partner with Compliance and Risk Analysts to support deeper risk investigations or chargeback-related assessments. • Collaborate with CRU leadership to refine risk models, underwriting criteria, and approval matrices. • Mentor and support junior team members by reviewing applications, offering feedback, and leading knowledge-sharing sessions.

🎯 Anforderungen

• 2–5 years of experience in KYC/KYB, compliance, onboarding, or underwriting within a payments, fintech, or financial services organization • Well-versed in identity verification protocols, including the review of business formation documents, beneficial ownership, and government-issued identification • Working knowledge of AML/BSA regulatory frameworks, sanctions screening (OFAC), and customer due diligence (CDD/EDD) requirements • Confident reviewing business models and legal structures, and can validate entity legitimacy and expected transaction behavior • Detail-oriented and understand the importance of regulatory adherence across onboarding and ongoing monitoring • Comfortable communicating with clients to collect and validate sensitive documentation, while maintaining a high degree of professionalism and care • Thrive in a collaborative, fast-paced environment and bring a mindset of continuous improvement to workflows, tools, and procedures • Bonus: Experience with compliance tools such as Alloy, Middesk, ComplyAdvantage, or similar vendor platforms

🏖️ Vorteile

• Competitive base salary with strong performance-based upside potential • Stock options with the potential to unlock more equity as we grow • Flexible PTO • Comprehensive medical, dental, and vision insurance • 401K with company match, HSA, and pre-tax savings programs • Monthly education fund to invest in your professional development and passion goals • Fully remote work environment with a collaborative, supportive team culture